In Nigeria’s fast-changing digital economy, commercial banks are increasingly relying on mobile banking apps to boost customer convenience, expand service delivery, and foster financial inclusion. These apps allow users to manage their finances from anywhere—whether it’s transferring funds, paying bills, applying for loans, or even resolving complaints—without stepping into a bank branch.

Both the Google Play Store and Apple App Store offer these apps, but only the Play Store provides visible download data, making it easier to measure adoption rates. Based on this data, here’s a detailed look at the 10 most downloaded mobile banking applications in Nigeria, ranked from lowest to highest.

10. Sterling Bank – 1 Million Downloads

The OneBank app by Sterling Bank has crossed 1 million downloads and holds a 3.8 rating on the Play Store. Users can transfer funds, pay bills, invest, and even apply for loans.

• Latest Version: 3.0.0

• Last Updated: May 15, 2025

• App Size: 68.07 MB

• Android Requirement: Version 9.0 and above

9. Fidelity Bank – 1 Million Downloads

Fidelity Bank’s mobile platform, Fidelity Online Banking, also boasts over 1 million downloads. It allows users to check account balances, manage transaction history, deposit checks, and handle Visa Debit Cards.

• Rating: 3.8

• Latest Version: 5.6.50

• Last Updated: April 29, 2025

• Android Requirement: Version 5.0

• Reviews: Over 46,000

8. Keystone Bank – 1 Million Downloads

The KeyMobile App offers services such as viewing account balances, bill payments, fund transfers, and investment options. It maintains a 3.9 rating on the Play Store.

• Latest Version: 5.1.21

• Last Updated: May 9, 2025

7. FCMB – 1 Million Downloads

First City Monument Bank’s app has surpassed 1 million downloads with a 4.1 rating, offering users the ability to open accounts digitally within minutes—no paperwork needed.

• Release Date: November 26, 2018

• Last Updated: May 17, 2025

• App Size: 47.32 MB

• Android Requirement: Version 7.0

6. Wema Bank – 1 Million Downloads

Wema Bank’s ALAT app provides a fully digital banking experience, enabling users to open accounts, access loans, pay bills, and transfer funds seamlessly.

• Rating: 4.2

• Last Updated: April 17, 2025

• App Size: 106 MB

• Android Requirement: Version 8.0

• Reviews: Over 43,000

5. Zenith Bank – 5 Million Downloads

With more than 5 million downloads, Zenith Bank’s mobile app ranks among the top five in Nigeria. It supports a broad range of services including funds transfer, bill payment, and account management.

• Rating: 3.9

• Latest Version: 2.16.24

• Last Updated: August 15, 2024

• Reviews: Over 46,000

4. GTCO (GTBank) – 5 Million Downloads

GTWorld, the flagship mobile banking app from Guaranty Trust Holding Company, offers a rich user experience with tools for airtime purchase, bill payments, and fund transfers. It holds a 4.0 rating.

• Latest Version: 6.2.3

• Last Updated: June 3, 2025

• Android Requirement: Version 7.0

• Reviews: Over 130,000

3. UBA – 10 Million Downloads

United Bank for Africa’s mobile banking app has exceeded 10 million downloads, offering robust features such as biometric login, transaction history, and multi-account management.

• Rating: 3.9

• Latest Version: 8.2.29

• Last Updated: April 6, 2025

• Reviews: Over 250,000

2. First Bank – 10 Million Downloads

The FirstMobile app provides First Bank customers with comprehensive services like fund transfers, airtime top-ups, and bill payments. The app is rated 4.2 and is among the most used in Nigeria.

• Release Date: September 9, 2015

• Latest Version: 2.10.5

• Last Updated: December 12, 2024

• Android Requirement: Version 7.0 and above

1. Access Bank – 10 Million Downloads

Topping the chart is Access Bank’s Access More app, which has over 10 million downloads and an impressive 4.5 rating—the highest among the top 10.

It provides full-service mobile banking including real-time account access, fund transfers, bill payments, and airtime purchases. The app is also known for its sleek user interface and reliability.

• Latest Version: 3.0.1

• Last Updated: December 2, 2024

• App Size: 68 MB

• Reviews: Over 590,000

Conclusion: Mobile Banking Is Reshaping Financial Access in Nigeria

The widespread adoption of mobile banking apps highlights the growing demand for digital financial services in Nigeria. As banks continue to innovate and expand digital offerings, mobile platforms are becoming the primary channel for banking access, especially among younger, tech-savvy customers.

These apps are not only convenient—they’re also vital for driving financial inclusion, improving service delivery, and expanding banks’ customer base. With increasing competition and rising user expectations, continuous updates, seamless performance, and enhanced security features will be key to maintaining user loyalty and growth in this dynamic space.